Consolidated Statements of Cash Flows (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
OPERATING ACTIVITIES
Net income	$ 4,351,000	$ 4,748,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	397,000	323,000
Net realized gains	12,000	(81,000)
Provision for uncollectible premiums/over and short	10,000	3,000
Deferred income taxes, net	(238,000)	(220,000)
Share-based Compensation	28,000	0
Changes in operating assets and liabilities:
Accrued investment income	(108,000)	61,000
Premiums receivable	(2,284,000)	(3,048,000)
Reinsurance recoverable on paid and unpaid losses	(388,000)	703,000
Prepaid reinsurance premiums	25,836,000	21,237,000
Deferred policy acquisition costs, net	(1,502,000)	(1,221,000)
Other assets	(728,000)	(100,000)
Unpaid losses and loss adjustment expenses	1,892,000	(1,804,000)
Unearned premiums	17,870,000	7,320,000
Reinsurance payable	(25,394,000)	(16,234,000)
Other liabilities	12,379,000	7,381,000
Net cash provided by operating activities	32,133,000	19,068,000
INVESTING ACTIVITIES
Proceeds from sales and maturities of investments available for sale	53,938,000	3,773,000
Purchases of investments available for sale	(95,182,000)	(5,599,000)
Net cash used in investing activities	(41,244,000)	(1,826,000)
FINANCING ACTIVITIES
Repayments of borrowings	(294,000)	(294,000)
Dividends	(485,000)	(518,000)
Bank overdrafts	0	185,000
Proceeds from Issuance of Common Stock	3,591,000	0
Net cash provided by (used in) financing activities	2,812,000	(627,000)
Increase (decrease) in cash	(6,299,000)	16,615,000
Cash and cash equivalents at beginning of period	71,205,000	41,639,000
Cash and cash equivalents at end of period	64,906,000	58,254,000
Supplemental Cash Flows Information
Interest paid	69,000	82,000
Income taxes paid	$ 1,028,000	$ 1,258,000